Michigan drivers pay an average of $1,202 annually for minimum insurance coverage that meets the state’s bodily injury liability, property damage liability insurance requirements, and personal injury protection requirements. For full coverage that includes both comprehensive and collision coverage, Michigan drivers pay an average cost of $3,238 annually.

Insurance premium price might seem like the most important thing when shopping around for

car insurance

but don’t forget to search for an auto insurance policy that suits your needs.

We’re rating the best car insurance companies in

Michigan

based on several factors that are important to drivers: customer service, annual premium policy cost, claims satisfaction, financial stability, coverage types, and more.

GEICO: Best for affordability and satisfaction

Real 5-star customer review:

Great quote quick service. From start to finish it was easy. Super relaxed and easy to get done. -Shawn

Overall Jerry rating in Michigan: 5/5

JD Power customer satisfaction: 831/1,000

AM Best financial strength: A++

NAIC complaint index (June 2023): More than expected

The average rates for Michigan car insurance are higher than the national average, so GEICO is a fantastic option if you’re looking for cheap car insurance. We found that teen drivers enjoy some of the lowest prices, even in one of the most expensive states!

If you have a clean driving record, don’t forget to check out their good driver discounts and accident forgiveness. Discounts are great, but we should note that GEICO gets more complaints than average, so you might experience better customer service with another insurer.

AAA: Solid coverage with great customer service

Real 5-star customer review:

I was struggling because I wanted great insurance for my new car.

Jerry

was so helpful, and the team answered all of my questions. Now I have the policy type I was looking for! —Avery W.

Overall Jerry rating in Michigan: 5/5

JD Power customer satisfaction: 786/1,000

AM Best financial strength: A

NAIC complaint index (August 2023): Lower than average

Yes, you do have to have a

AAA membership

to get auto insurance coverage, but they have 3 levels of membership plans—Classic, Plus, and Premier. In addition to the discount perks that come from being a AAA member, you’ll also have access to auto insurance that has above average customer service.

AAA ranks high on JD Power’s customer satisfaction list, and doesn’t receive as many complaints as most auto insurance companies. If you love personalized service from your insurance company, AAA might be the way to go.

Safeco: Lots of customizable policy options

Real 5-star customer review:

Jerry

is so helpful! It turns out that Safeco offers me the best plan for my price range. I’m thankful for the extra income I’m saving with a better auto insurance policy. —Lou C.

Overall Jerry rating in Michigan: 5/5

JD Power customer satisfaction: 795/1,000

AM Best financial strength: A

NAIC complaint index (June 2023): More than expected

With Safeco, you can easily meet Michigan’s car insurance requirements and have tons of optional coverage add-ons. Check out the Safeco Optimum Package! Safeco also includes some benefits like a claims-free cash-back program and telematics discount.

Jerry customers enjoy how they can customize their car insurance (as well as other Safeco policies). However, making changes can be a hassle since you need to speak directly to a customer service representative.

Travelers: Best for drivers with new vehicles

Real 5-star customer review:

Jerry

let me customize my preferred auto and renters insurance so that I saved $100. I never even considered looking into Travelers but now they’re my policyholders! This app rocks. -Jamie A.

Overall Jerry rating in Michigan: 3.75

JD Power customer satisfaction: 806/1,000

AM Best financial strength: A+

NAIC complaint index (August 2023): Much lower than expected

If you’re looking for a national provider with good customer service and broad coverage, check out Travelers. Not only do they offer the lowest rates for drivers with new cars, but they also offer new car replacement coverage that protects your new ride.

Even if you’re not insuring a new vehicle, Travelers makes it easy to access your insurance accounts. Although Jerry customers in Michigan gave Travelers an average rating, the company gets fewer complaints and higher customer satisfaction than other auto insurers.

Progressive: Best rates for high-risk drivers

Real 5-star customer review:

It never occurred to me to look for more insurance quotes, but I’m so happy I saw

Jerry

. After using the app, I am saving $2000+ a year through my new Progressive plan. It blew my mind! -Jarod M.

Overall Jerry rating in Michigan: 3.75

JD Power customer satisfaction: 816/1,000

AM Best financial strength: A+

NAIC complaint index (August 2023): More than expected

Progressive frequently pops up on best-of lists because it’s affordable, has an easy-to-use mobile app, and allows customers to customize their coverage. If you love discounts, check out Progressive’s extensive offerings. Plus, the insurer provides affordable coverage for drivers who have speeding tickets, DUIs, or don’t have clean driving records.

We should disclose that Progressive tends to rank lower on the customer service side of things, earning average ratings from our Jerry customers in Michigan. But, if you like managing your own insurance and don’t plan on using Progressive’s customer service, you should be good to go!

USAA: Lowest rates for military

Real 5-star customer review:

Great & reliable experience! Super easy to switch with the Jerry app, great rates and amazing premium qualities. Has all the support you need. Would definitely recommend! -Hector

Overall Jerry rating in Michigan: Not rated in the area

JD Power customer satisfaction: 878/1,000

AM Best financial strength: A++

NAIC complaint index (August 2023): More than expected

USAA has fantastic premiums and a solid financial background. Plus, it rates high for customer satisfaction. Young adults and seniors also find some of the best rates in the state with USAA.

However, USAA is only available to current and former military members and their family members.

How to save on your Michigan auto insurance

Realize that the cheapest insurance company for one person might not be the best rates for you. You’ve got insurance options! Car insurance rates and premiums are determined by looking closely at personal factors like the car you drive, your driving history, and what coverage you select.

Michigan recently enacted consumer protection legislation that prohibits insurers from using certain non-driving related personal factors when setting insurance premiums. For example, insurers can’t use your credit score, zip code, or marital status to set your rates.

You probably know that you need to shop around but don’t let yourself get overwhelmed. Compare quotes from at least 3 to 5 insurance providers before you pick one.

Jerry

, the free car insurance comparison app, can help! We’ll search our network of over 50 of the top insurers to give you the best

car insurance quotes

Don’t forget to factor in any

car insurance discounts

that you might qualify for since these can make a big dent in your auto insurance rates. Once you’ve chosen a car insurance policy, ask your insurance agent about popular discounts like bundling your homeowners or renters and auto insurance, being a good student, or signing up for their

telematics

safe driver program

Cutting corners on your Michigan car insurance can leave you vulnerable

If you’re on a tight budget, it’s tempting just to get

Michigan’s minimum coverage

, but this leaves you unprotected if you’re in a serious car accident. Experts almost always agree that you should increase your liability coverage limits or add a full coverage policy (comprehensive coverage and collision coverage), especially if you’re insuring young drivers.

For even more protection, consider adding the following coverage options:

Uninsured motorist/underinsured motorist coverage (UM/UIM)

Roadside assistance

Rental car reimbursement

Medical payments (MedPay)

Methodology:

Jerry’s team of content editors analyzed 23 of the top insurers in Michigan and chose the best based on a combination of scores from JD Power, AM Best, NAIC, and Jerry’s own nationwide carrier survey.

FAQs

What are the cheapest car insurance companies in Michigan?

The cheapest insurance company depends on you. Personal factors like your driving record, the car you drive, where you live, your driving habits, and the driver discounts you qualify for all affect your insurance premiums.

How much is car insurance in Michigan?

The average cost of minimum liability coverage in Michigan is $1,202 and the average cost of full coverage car insurance in Michigan is $3,238.

Are you overpaying for car insurance?

Compare quotes and find out in 45 seconds.

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